vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NM XXXX XXXX | ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXXXXXX XXXX TX XXXX Subject Final Notice Repeated ReInsertion of Inaccurate Personal Information Immediate Deletion Demanded To Experian Dispute Department I have previously disputed personal information on my credit report including multiple variations of my name and an address in Utah that does not belong to me These disputes were submitted both directly and through the CFPB Experian initially removed some of these items then reinserted them without providing the legally required written notice or certification This violates FCRA section 1681i a 5 B which prohibits reinsertions without proper procedure You are required to notify the consumer in writing within five business days after any reinsertion and confirm that the data furnisher has certified the accuracy I have not received any such notice Nor has any documentation been provided verifying these name variations or the Utah address Items to be permanently deleted Incorrect names repeatedly reinserted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with hyphen My correct legal name is XXXX XXXX XXXX Incorrect address XXXX XXXX XXXX XXXX Utah XXXX I have never resided at or been associated with this address Your failure to ensure accuracy and to comply with prior disputes is a violation of FCRA sections 1681e b 1681i a and 1681s 2 b This is compounded by recent CFPB enforcement actions specifically the XX/XX/XXXX lawsuit against Experian for similar reinsertion and verification failures Your conduct matches the pattern of willful noncompliance described in that case In addition the ruling in XXXX XXXX Experian affirmed that repeated reinsertion of inaccurate data after consumer disputes can result in liability under FCRA 1681n and 1681o I am demanding the following 1 Permanent deletion of all inaccurate name variations 2 Permanent deletion of the Utah address 3 A full reinvestigation into the accuracy of all personal identifiers 4 If any reinserted data is retained provide documentation of certification and date of reinsertion in writing within 15 business days If Experian continues to disregard my rights I will escalate through the CFPB FTC and the New Mexico Attorney General I will also consider pursuing legal action Experian is responsible under federal law for maintaining accuracy preventing unauthorized reinsertion and honoring consumer disputes You have failed to meet these obligations 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 explanation
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued XXXX for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA.

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

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 2025-06-09 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: NC

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

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 2025-06-09 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: NY

Complaint narrative:
Previously Ive disputed and have sent the proper documents on remove late payment reflecting on my consumer report. Now, Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. 

Creditor : XXXXXXXX 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 2025-06-09 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: GA

Complaint narrative:
I am filing this complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ), including failure to block fraudulent accounts resulting from identity theft, improper reinvestigation procedures, and reinsertion of previously deleted information without proper notice. Below is a summary of the issues : 1. Reinserted Fraudulent Account Without Notice An account from XXXX XXXX XXXX ( Account # : XXXX XXXX XXXX XXXX XXXX  ) was previously deleted due to identity theft. It was reinserted into my Equifax credit report without providing the required 5-day written notice under FCRA 611 ( a ) ( 5 ) ( B ).

2. Improper Method of Verification ( MOV ) Equifax has not complied with my repeated requests under FCRA 611 ( a ) ( 7 ) to provide the method of verification for this tradeline. No documentation, affidavits, or contact information for the data furnisher were provided, despite my lawful demand. 
3. Fraudulent Tradeline XXXX Equifax XXXX XXXX XXXX XXXX fraudulent tradeline : XXXX | Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$130000.00} | Status : Foreclosure process started I have no knowledge or association with this account. It is clearly a result of identity theft and must be blocked under FCRA 605B.

4. Returned Fraudulent Checks I have been a victim of check fraud, with multiple checks written in my name to XXXX XXXX totaling {$4600.00}. Documentation from XXXX XXXX of XXXX XXXX is available, confirming these returned checks. This further supports my identity theft claims.

5. Failure to Block Accounts Despite Proper Documentation I submitted all required documentation under FCRA 605B, including : FTC Identity Theft Report Police Report Signed Affidavit of Identity Theft Government-issued ID Proof of Address Despite this, Equifax continues to report these fraudulent accounts and has not blocked them as required by law.

6. Documented Data Breaches and Identity Compromise My personal information has been exposed in multiple national data breaches including : XXXX XXXX XXXX Equifax ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) Additionally, dark web monitoring alerts confirm that my information has been compromised and misused. These breaches further justify the need for immediate security freezes and deletion of fraudulent tradelines. 
7. Security Freeze Ignored I have already requested security freezes with XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and XXXX. I formally requested that Equifax place a freeze as well, yet I have not received confirmation. 
________________________________________

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 

These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued XXXX for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXXXXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes.

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. 
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 2025-06-09 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: NV

Complaint narrative:
I am disputing a debt being reported by XXXX XXXX XXXX that I do not recognize. I have not received proper validation of this account, and XXXX has failed to provide proof that the debt is mine or that they have the legal right to collect on it. 

I have disputed this with the credit bureaus, but the account remains with conflicting and inaccurate information. This violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that the CFPB investigate this matter and help ensure the account is removed from my credit report unless XXXX can fully verify its accuracy and ownership.

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
I am submitting this rebuttal in response to Santander 's letter dated XX/XX/year>, regarding CFPB Case # XXXX. 
Santanders response is incomplete, misleading, and omits key facts. I specifically disputed the {$1000.00} balance remaining after a total loss because I purchased XXXX XXXXXXXX XXXX XXXX  through XXXX XXXX to cover exactly this type of situation. Santander falsely claimed that they attempted to cancel the protection but failed to obtain a refund. I personally contacted XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ), and they confirmed Santander never contacted them to initiate cancellation. 
This contradicts Santanders claim and appears to be an attempt to collect the remaining balance despite the fact that I already paid approximately {$1000.00} for total loss coverage under this plan. Santander provided a cancellation form, but producing that document without a confirmation of submission or denial from the administrator is not proof they followed through. If they had truly submitted the cancellation and been denied, there would be a written response from the provider and there is not. 
In their response, Santander also admits they received {$18000.00} from my auto insurance and {$660.00} from XXXXXXXX XXXX, yet they continue to bill me for a leftover balance while ignoring the protection I purchased. This is deceptive and financially damaging behavior. If the protection plan had been properly canceled as they claim, I would not owe the remaining balance, and this would not be showing as a charge-off on my credit report. 
Santander also stated they respectfully decline my request for balance forgiveness and claimed they have not received any written disputes from me despite this CFPB complaint clearly being one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I opened a checking account with Truist around XX/XX/year>, after a recommendation. Shortly after, I deposited a legitimate check from XXXX XXXX. The check cleared with XXXX, and I provided all necessary documents. 

The account was then locked for a fraud review, and I was told it would be resolved by XX/XX/XXXX. After calling daily for multiple days, I was informed that it had been reviewed, but no one could explain why it remained locked or when it would be unlocked. 

The fraud team says they dont have access to that department. Customer service and even the branch banker said they cant help. The banker said it was pointless to come in, but the phone reps told me to visit the branch. 

I now have XXXX access to my account : I cant log in, view my balance, or access any funds. We are facing financial hardship we can not pay rent, and expected direct deposits are stuck in this frozen account. 

XXXX asking for immediate access to my funds or at least a clear explanation and timeline for resolution. At this point, I dont know what else to do.

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 2025-06-09 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: MS

Complaint narrative:
I have send multiple disputes and they have not properly investigated these accounts are blocked the fraudulent information from my credit report my personal identity was stolen and the following accounts were opened and the are fraudulent XXXXXXXX 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 i have never opened these accounts i have never received any monetary benefits from any of these accounts they are all fraudulent and should be investigated and removed immediately from my credit reports they should be removed within XXXX business days of receiving this report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: MS

Complaint narrative:
I have send multiple disputes and they have not properly investigated these accounts are blocked the fraudulent information from my credit report my personal identity was stolen and the following accounts were opened and the are fraudulent XXXXXXXX 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 i have never opened these accounts i have never received any monetary benefits from any of these accounts they are all fraudulent and should be investigated and removed immediately from my credit reports they should be removed within XXXX business days of receiving this report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-06-09 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: OH

Complaint narrative:
I have been trying to dispute for months now of inquiries that I did not do or authorize got a notification that someone tried to pull my credit and that my fraud alert had fell off of the credit bureaus pages and when I reached out to the company, they wouldnt give me any of the information I reached out to the credit bureaus, and they will not delete them. 
A agent told me to follow a police report before they would do anything so I did

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 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
i had too many over draft fees with wells fargo, dont know the dates. stopped being a customer in XX/XX/year> because of this

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 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WESTERN UNION COMPANY, THE
State: RI

Complaint narrative:
Someone from Western Union was able to withdraw six transactions of {$990.00} dollars in a row from My checking account with XXXX XXXX on XX/XX/year>, Ive been trying to get my money back, Ive filed a fraud report with XXXXXXXX XXXX and with my local police department which detective XXXXXXXX XXXX XXXXXXXX XXXX police department is working on ( XXXX ) XXXXXXXX XXXX XXXXXXXX, He has requested information from Western Union which they have not responded, I have tried to get information and they tell me I have to go through my local police department. They know it was fraud they have account number ending with ( XXXX ) which has to have a name attached to. I want to know the name of the receiver and how they verified them and what type of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
I am formally doing this complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 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 : 1. XXXX XXXX XXXX Account Number XXXX 2. XXXX XXXX XXXX account number XXXX 3. XXXX XXXX XXXX Account Number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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