vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
Between XXXX and XX/XX/year>, I applied for auto loans through Santander XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. All applications were denied. Upon investigation, I found that my credit report was temporarily frozen at the time due to prior identity theft concerns. 

These lenders denied my applications without notifying me of the issue or giving me an opportunity to unfreeze my credit and resubmit. I was also not provided proper adverse action notices, as required by the Fair Credit Reporting Act ( FCRA ).

These actions violated my rights under the FCRA in the following ways : 15 U.S. Code 1681b They attempted to access my report without success due to a credit freeze, yet failed to notify me or obtain proper permission to proceed.

15 U.S. Code 1681m ( a ) They did not provide complete and timely adverse action notices, which must explain the specific reasons for denial and the source of the credit report used. 

15 U.S. Code 1681i ( a ) ( 1 ) ( A ) I was not given a reasonable opportunity to dispute or correct any inaccuracies or resolve the freeze issue before a final denial was issued.

15 U.S. Code 1681e ( b ) The lenders failed to ensure the maximum possible accuracy in evaluating my creditworthiness, using incomplete data. 

These companies acted negligently by making credit decisions on frozen or inaccessible reports and by not complying with legally mandated consumer notice procedures. I am requesting an immediate investigation, correction of these denials, and confirmation that these events will not negatively affect my credit or eligibility moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: TX

Complaint narrative:
My previous employer is a non profit in Texas ( XXXX ), but listed in the XXXX system as for profit. I keep being told that I'm ineligible when applying for forgiveness. I have made over 120 payments at this point. I have submitted several appeals with supporting documentation ( articles of incorporation which clearly designates them a not for profit ), but it keeps being turned down. Even the Texas XXXX XXXX has them listed as a not for profit organization. This is somewhat complicated by the fact that while an employee they underwent a name and tax ID change, but it is still the same entity and both XXXX non profits. In Texas, XXXX groups owned by corporation have to be non profit by definition. I feel like when sending in the appeal they are not looking at the supporting documents and only looking at the XXXX they have that is falsely labeled as a for profit since it a XXXX and not a XXXX. Per PSLF rules, eligible organizations include " Other not-for-profit organizations that devote a majority of their full-time equivalent employees to providing certain qualifying public services. '' I am a full time XXXX  providing XXXX XXXX services. I feel I have exhausted other avenues for appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2025, I was the victim of a scam involving XXXX. A person impersonated a family member and convinced me to send them money urgently. I trusted them and sent {$450.00} via XXXX through my Bank of America account. 

The scammer was already enrolled in XXXX under the name XXXX XXXX XXXX and phone number XXXX. The payment went through immediately. 

I realized the scam within minutes and contacted Bank of America, but they denied any help because the transaction was " authorized. '' I explained that I was clearly deceived through impersonation, which meets the definition of fraud. 

I visited the bank in person and was told again they could not assist. I also filed reports with XXXX, the FTC, the FBI IC3, and a local police report, which is now being processed.

I believe Bank of America should protect users against this type of deception, especially when the report is made immediately and all scam details are available. This experience shows how easily XXXX can be abused by scammers posing as trusted contacts.

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 2025-07-05 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: TX

Complaint narrative:
There is an account listed on my report that is resulting from identity theft, I have no contract with this company and Experian has decided to report this debt as confirmed because the furnisher has said there is a contract and an obligation and thus ignoring the FTC report. I am supplying my affidavit of truth as well as another FTC REPORT XXXX XXXX now be sure to follow the law while there is an actual investigation done this was reported more than 60 days ago XX/XX/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 2025-07-05 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have repeatedly requested validation from Portfolio Recovery Associates, including : A signed contract bearing my original signature Legal proof of debt assignment or ownership A full itemized accounting from the original creditor They have failed to provide these required documents. Instead, they continue to furnish unverifiable and incomplete information to your bureau, in violation of FCRA 1681e ( b ), which mandates that only accurate and verifiable information be reported.

Furthermore, I dispute the legitimacy of this collection due to the following : XXXX XXXX charged off the account and likely received a tax credit, extinguishing their claim Portfolio Recovery is a third-party debt buyer, unable to furnish original contracts I have demanded validation under the Fair Debt Collection Practices Act, and none has been provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
A Target credit card was opened in my name. The card was charged {$3.00} in XXXX on XX/XX/year> and charged again {$490.00} on the same day in XXXX. Again, I did not open this card and I do not reside in either city.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: IA

Complaint narrative:
I recently been checking my report and notice multiple infractions on accounts and reporting on my report. It has been damaging to my background.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: IA

Complaint narrative:
I recently been checking my report and notice multiple infractions on accounts and reporting on my report. It has been damaging to my background.

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 2025-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Someone stole my. Id, debit cards and credit cards and stole my id to obtain my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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:
I am demanding that Experian remove the bankruptcy from my credit report now! Experian has been inaccurately reporting a XXXX XXXX  bankruptcy on my credit report that does not belong to me, and for their repeated refusal to verify or remove this false information. 


Only Experian is reporting this bankruptcy. 

XXXX  and Equifax DO NOT show any bankruptcy on my file. 

I have repeatedly requested documentation showing this bankruptcy includes my name and personal identifying information. 

Experian has provided no documentation whatsoever only the response : " Been verified. '' On XX/XX/year>, I also filed a complaint with the Texas Attorney General, providing detailed evidence and citing federal violations by Experian.

Legal Violations by Experian : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) : Failure to delete information that can not be verified.

15 U.S. Code 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting.

15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to disclose the verification procedures used.

I am demanding that Experian delete this unverifiable bankruptcy from my credit report within 4 business days of this complaint.

If Experian can not produce a valid court docket number and documentation showing my name tied to a real bankruptcy filing, this item must be removed immediately per FCRA 1681i ( a ) ( 5 ) ( A ).

I am requesting that the CFPB take swift action in enforcing this deletion and ensuring Experian complies with federal law. 


Copy of my Attorney General complaint submitted on XX/XX/year> Disclose Their Method of Verification Under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), Experian must explain : Who they contacted What they asked What documentation was used to verify the bankruptcy Whether the original court provided confirmation Saying " been verified '' does not meet this legal requirement.

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 2025-07-05 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 HAVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INNACCURATE ACCOUNTS REPORTING. AND UNAUTHORIZED INQUIRIES.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time.

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$390.00} Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$370.00} Date Opened : XX/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 non-monetary relief
Consumer complaint received 2025-07-05 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: OR

Complaint narrative:
Im writing to dispute inaccurate and unauthorized information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( 2 ), my personal information was shared without my written permission. This led to accounts being added that I didnt open or use. This may also be identity theft under 15 U.S. Code 1681c-2. Please investigate and fix these errors to make sure my credit file is accurate.

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 2025-07-05 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: MO

Complaint narrative:
I have been getting notifications that someone is trying to get loans in my name and using my information. I got an email from several loan companies telling me I was denied because of the information obtained in my " clarity report '. I called the loan places and advised them that I did not apply for a loan. I also wanted to inquire what was in my clarity report and to see if any loans were ever approved with my stolen information. I have been trying to get this report for months, and I have sent the company everything they needed in order to send me my report so that I may have the chance to dispute pursuant to the Fair Credit Reporting Act. I am uploading my id, my social security card. Upon receiving this information I am asking that Clarity Services email me a copy of my clarity report so that I may get all this rectified in a timely manner. Please issue my credit report per FCRA 609 ( a ) ( 1 ) Right to Access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: PA

Complaint narrative:
On or around XX/XX/year>, a XXXX account appeared on my TransUnion credit report without my knowledge, consent, or authorization. I never applied for or signed up for this service. The account lists an address and rent amount that are both inaccurate and do not reflect any lease I have ever held. I have never agreed to share my rental history with this company, and I did not authorize them to report anything to any credit bureau. 

I immediately disputed the account and formally requested verification, including any documentation bearing my signature or proof of authorization. TransUnion failed to provide this documentation and refused to delete the account, despite clear evidence that it was not authorized and does not reflect any real credit obligation. 

I believe this unauthorized and false reporting may be retaliatory or negligent, especially considering I have pending disputes involving other inaccurate accounts. This continued reporting causes active harm to my creditworthiness and financial standing. 

I am now filing this complaint as part of my formal record. If this account is not promptly removed, this matter will be included in my legal case for violations of the Fair Credit Reporting Act ( FCRA ), including unauthorized account reporting, failure to verify, and refusal to correct inaccurate data. I am documenting every step and will be seeking full financial damages in court if not resolved.

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 2025-07-05 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:
XXXX XXXX XXXX  This CFPB complaint has been filed to request under FCRA  605B\n(15 U.S.C.  1681c-2) That you, the Equifax credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, Inaccurate, and false Information consists of a personal loan account opened at XXXX XXXX XXXX on XXXX XXXX XXXX, under account number XXXX, and an auto loan account opened at XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX, Auto loan at XXXX XXXX opened XXXX XXXX XXXX  A loan at westbon in for XXXX account number XXXX XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX many other accounts that I have attached below. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
b'Im the victim of identity theft. I did not apply for credit or authorize any inquiries from the following companies, but they are showing up on my ChexSystems report without my permission:\n\t\tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nI did not authorize these inquiries. They are not mine and appear to be the result of fraud or identity theft.\n\nI filed a dispute with ChexSystems and submitted my FTC Identity Theft Report and proof of identity. I am requesting that these fraudulent entries be removed immediately as required under the Fair Credit Reporting Act (FCRA), specifically Sections 611 and 605B.\n\nChexSystems and the reporting companies have a legal obligation to remove unverifiable or fraudulent information. If they continue to report these items, its a violation of my consumer rights. Please help get this corrected. Im requesting the following information be deleted of my check system report immediately'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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