vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I am XXXX XXXX, and I am officially contesting the incorrect details found in my credit file. As outlined under 15 U.S.C. 1681b and 15 U.S.C. 1681e, I never granted permission for my personal data to be shared or reported to the companies identified below. This action breaches my consumer right to privacy, as there is no lawful justification for reporting any information under my identity. Additionally, my credit report contains unauthorized inquiries that I did not approve or initiate, indicating potential identity theft. According to 18 U.S.C. 8, I do not have any outstanding obligations to these organizations, and I insist on the prompt elimination of the disputed items and inquiries to rectify my credit file. Kindly resolve this issue immediately and provide written confirmation once the contested entries have been removed from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: GA

Complaint narrative:
Subject : Request to Block and Remove Fraudulent Accounts from My Credit Report Dear Experian, I am writing to formally notify you that I have been a victim of identity theft, and my personal information was compromised in the XXXX data breach. As a result, fraudulent accounts have been in my name without my consent. 
Below is a list of the fraudulent accounts that I have identified on my credit report : 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  Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent accounts be blocked and permanently removed from my credit report. I have enclosed the following documentation to support my claim : 1. A copy of my government-issued photo ID.

2. A copy of my proof of address ( e.g., utility bill or bank statement ).

3. A copy of the police report regarding the identity theft.

4. A completed Identity Theft Report from the Federal Trade Commission ( FTC ).

Please update my credit file to reflect that I am not responsible for these accounts and ensure that no further adverse accounts are taken against my credit as a result of these fraudulent activities. I also request that you notify any creditors who accessed my credit report during this time about the identity theft to protect my rights.

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 2025-11-02 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: SC

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-11-02 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: SC

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-11-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I returned my leased XXXX XXXX 3 weeks in advance and paid-off in excellent conditions due to recent XXXX XXXX move. And XXXX XXXX is now charging {$450.00} for a minor windshield crack ( less than 1/2 inch ).

During the past 2 weeks, I submitted several emails to dispute the {$450.00} charge of my final bill related to a windshield crack. According to their final inspection report, the vehicle was returned in normal wear & use condition. And per their Lease-End Guide, a windshield crack less than inch in diameter is classified as normal wear, not excess wear.

The crack in question was measured at less than inch using their official measurement guide provided in their Lease-End materials. Additionally, their inspectors photo shows that the ruler used was not properly aligned, which may have resulted in an inaccurate visual representation of the cracks actual size.

Given that the inspection report itself confirms normal wear & use, I tried to request that the {$450.00} charge be reviewed and removed. Also the vehicle was returned three weeks early and with under
12,800 miles, further demonstrating that it was well maintained throughout the lease period.

XXXX XXXX just sent me a bill via mail charging the {$450.00}, and has not responded to any of my emails that I sent last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute and demand removal of fraudulent inquiries that appear on my credit file. These inquiries were made without my knowledge, authorization, or consent, and therefore are inaccurate under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The following inquiries are fraudulent : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never applied for credit with XXXX XXXX XXXX and did not authorize these hard inquiries. Reporting unauthorized inquiries is a violation of the FCRA because they misrepresent my consumer credit profile. Under 15 U.S.C. 1681i ( a ), I have the right to dispute any item of information in my file, and the credit reporting agency must conduct a reasonable reinvestigation. Furthermore, under 15 U.S.C. 1681b ( f ), a consumer reporting agency may only furnish a consumer report for permissible purposes, and users of consumer reports must certify such purposes. Because I did not grant authorization, XXXX XXXX XXXX had no permissible purpose to access my file. Federal case law reinforces these rights : In XXXX XXXX Trans Union Corp., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held that credit reporting agencies must do more than a superficial investigation and must ensure disputed information is accurate. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court affirmed that consumer reporting agencies can be held liable when they fail to reinvestigate disputed information properly. In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), it was recognized that obtaining a consumers report without a permissible purpose violates the FCRA and gives rise to liability. Therefore, I demand the immediate removal of the above-referenced unauthorized inquiries. Please provide written confirmation once these inquiries have been deleted from my credit file. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: FL

Complaint narrative:
On Monday, XX/XX/year> I noticed my USBank credit card ending XXXX was not fulfilling my cash back areas I locked in XX/XX/year> as required for months XXXX to XX/XX/year>. 

I'm only receiving 1 % cash back. I called USBank customer service on Monday, XX/XX/year> @ XXXXXXXX XXXX XXXX and spoke with XXXX. XXXX said she would put in work order ticket to have my account cash back % corrected with the corrections personnel emailing me a secured message through my USBank app with the results. I've heard absolutely nothing as of today from USBank with regard to my cash back discrepancies. 

My 5 % for XXXX XXXX charge of {$57.00} is only at 1 %. XXXX charges were made on XX/XX/year> & XX/XX/year>. 

My 5 % for fast food XXXX XXXX ( {$1.00} - XX/XX/year> ) and XXXX XXXX ( {$4.00} - XX/XX/year> ). 

My 2 % for Gas Stations. XXXX XXXX ( {$4.00} - XX/XX/year> ), XXXX XXXX XXXX ( {$24.00} - XX/XX/year> ), XXXX ( {$20.00} - XX/XX/year> ), XXXX XXXX XXXX ( {$13.00} - 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 explanation
Consumer complaint received 2025-11-02 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my right. 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681i ( 5 ) a consumers right to have inaccurate or unverifiable information removed from their credit report after a dispute.

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 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year> I had a fraud situation happen on my bank account. It was a transaction from XXXX XXXX account that connected to my bank account. My XXXX XXXX was hacked and several funds transactions were taken out of my account from Bank of America by the minutes, I was not notified through text from the fraud department of any suspicious activity. Bank of America has opened a claim on XX/XX/year> to dispute these transactions unauthorized by me I was told by a representative on XX/XX/year> that they didnt need any information from me and that everything looked good and I will receive a refund back of my money on XX/XX/year>. When XX/XX/XXXX arrived, I didnt see any deposits of the money that was told was going to be the deposit back into my account. I immediately called back the same day and asked a claims representative. What had happened and she told me my claim was closed out on XXXX XX/XX/year>. I told her that I spoke to a representative the day before and was told that they didnt need any more information from me because everything looked good and I will receive my funds back on the XXXX the representative then proceeded to let me know that she was very sorry for the misinformation from the other representative and that she will reopen my claim account but this time it will take up to XXXX to 45 days for them to analyze my case again and if I have any documentations to send them, I can fax them to the claims department. I proceeded to go to the bank and have the bank fax all the evidence showing that I did did not give any XXXX authorization to go into my account to transfer funds. XXXX XXXX was also notified on XX/XX/year> and gave me very difficult time trying to get information on how my account got hacked and why my password was changed also they kept saying they couldnt see my account even though I have a debit card with the account and pictures of unauthorized transactions from the hacker through XXXX XXXX. At this point right now Bank of America could have easily stopped this situation of fraud on my account by simply notifying me like they always do if there is suspicion of fraud and ask me if it is I who is authorizing the transactions. Bank of America has all my alerts on for any fraud transactions, but then not alert me.

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 monetary relief
Consumer complaint received 2025-11-02 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Victim of XXXX  Data Breach ( Case No. XXXX ) Violations of : 15 U.S.C. 1681s-2 ( b ) & 15 U.S.C. 1681e ( b ) LEGAL NOTICE OF IMPROPER ACCOUNT REPORTING : LACK OF REQUIRED IDENTIFYING INFORMATION Credit Collection Services are unlawfully harassing me over a purported debt of {$1200.00} ; allegedly owed. Credit Collection Services collection letters and calls supported only by a computer-generated statement printout, are rife with frivolous charges and flatly inconsistent with the validation and licensing requirements.

In order to satisfy the consumer protection statutes at the federal and state level, Credit Collection Services must furnish the following documents prior to its reporting of the account : 1. Original Purchase Agreement : A copy of the fully executed, original ( or certified copy ) purchase agreement that evidences the existence and terms of the original debt, including Plaintiffs signature or acknowledgment of the terms.

2. Notice of Sale : A copy of the notice of sale or other documentation evidencing the transfer or assignment of the alleged debt from the original creditor to Defendant, evidencing a complete and unbroken chain of title.

3. Additional Permissible Purpose Documentation : Any additional documentation that demonstrates the existence of a legally cognizable permissible purpose pursuant to 15 U.S.C. 1681b for reporting the alleged debt.

This complaint serves as notice of my intent to pursue binding arbitration and litigation against Credit Collection Services for violations of federal and state consumer protection laws stemming from your willful and negligent reporting of inaccurate information on my consumer credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland credit Management has repeatedly called and Harassed me. I have filed disputes and reported to the credit bureaus multiple times to remove these false debts off my credit. One out of three bureaus have deleted the delinquency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-02 00:00:00
Product: Credit card — Store credit 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: Klarna AB

Complaint narrative:
I am requesting assistance regarding a refund that Klarna has not returned to me. The merchant issued a refund, but Klarna sent the funds to a XXXX XXXX account that is closed. I contacted XXXX XXXX, and they confirmed that when an account is closed, any incoming funds are automatically returned to the sender ( Klarna ) immediately. 

I provided Klarna with documentation from XXXX XXXX confirming this. Despite this, Klarna continues to tell me to wait XXXX hours, and each time I contact them, I receive the same response with no resolution. They claim my case is with specialists but do not provide updates or a timeframe. It has been an unreasonable delay, and Klarna has not returned my money or taken responsibility for the refund. 

I need CFPB assistance to ensure Klarna processes my refund and provides a clear resolution. 

This issue has been ongoing since XX/XX/year>. My XXXX XXXX account was closed in XX/XX/year>, and XXXX XXXX has confirmed the funds would be returned to Klarna automatically. Klarna has failed to acknowledge this and continues repeating the same scripted responses without action. I have been extremely patient, but this has caused significant stress and frustration. I simply want the refund that rightfully belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: FL

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: FORD MOTOR CREDIT CO.
State: TN

Complaint narrative:
I am disputing an account reported by Ford Motor Credit that inaccurately remains on my credit report. This account was originally financed jointly with my ex-spouse. He was supposed to assume full financial responsibility for the vehicle and remove my name from the loan after our divorce.

I was misled to believe the transfer of equity was approved. When I discovered it was not, I immediately requested the return of the vehicle, but he refused and later wrecked it while uninsured. I was not in possession of the vehicle, did not make or miss any payments, and was not responsible for the vehicle after that point.

Ford Motor Credit has been contacted but has not corrected or updated the account. I am requesting that the CFPB review and ensure that the account is investigated accurately or removed from my credit report as it does not reflect my responsibility or payment behavior.

Company response to consumer: Closed with explanation