vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports with XXXX, Experian, and XXXX  are incorrectly showing two active mortgage accounts when I only have one. The reports are inflating my mortgage balance to approximately {$830000.00} when my actual balance is about {$430000.00} with XXXX XXXX XXXX It appears that when my loan servicing was transferred, the prior servicer did not update their tradeline to transferred/closed with {$0.00} balance, and it is still showing as open. This has created a duplicate account and an inflated debt balance.

I have already disputed this with the credit bureaus and contacted my servicer, but the error has not been corrected. This inaccurate reporting is harming my credit profile by doubling my mortgage balance and debt obligations.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports with XXXX XXXX, and TransUnion are incorrectly showing two active mortgage accounts when I only have one. The reports are inflating my mortgage balance to approximately {$830000.00} when my actual balance is about {$430000.00} with XXXX XXXX XXXX  It appears that when my loan servicing was transferred, the prior servicer did not update their tradeline to transferred/closed with {$0.00} balance, and it is still showing as open. This has created a duplicate account and an inflated debt balance.

I have already disputed this with the credit bureaus and contacted my servicer, but the error has not been corrected. This inaccurate reporting is harming my credit profile by doubling my mortgage balance and debt obligations.

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 2025-08-17 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: FL

Complaint narrative:
My credit reports with Equifax, XXXX, and XXXX  are incorrectly showing two active mortgage accounts when I only have one. The reports are inflating my mortgage balance to approximately {$830000.00} when my actual balance is about {$430000.00} with XXXX XXXX XXXX It appears that when my loan servicing was transferred, the prior servicer did not update their tradeline to transferred/closed with {$0.00} balance, and it is still showing as open. This has created a duplicate account and an inflated debt balance.

I have already disputed this with the credit bureaus and contacted my servicer, but the error has not been corrected. This inaccurate reporting is harming my credit profile by doubling my mortgage balance and debt obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
Failure to remove accounts from my credit report. Company is refusing to delete credit accounts from my profile. Another CRA have done the investigation and found accounts to be inaccurate and deleted them, and Equifax will not follow the suit of XXXX  who did the investigation and delete the accounts. 

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 am contacting you regarding the above-referenced accounts that you are publishing. 

These accounts has been deleted from my credit file with XXXX XXXX XXXX  after their investigation determined it to be inaccurate. However, it continues to be reported to the other credit bureaus, which is a violation of your obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ). 

You are legally required to : XXXX. Report accurate and consistent information to all credit reporting agencies to which you furnish data. 
XXXX. Correct and update information that you determine to be incomplete or inaccurate. 

Therefore, I demand that you : Immediately follow suit and remove the accounts that are reporting on Equifax. 
Provide me with written confirmation of your compliance within 30 days of receipt of this letter. 

If you fail to correct this reporting, I will escalate the matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I will also consider pursuing all legal remedies available to me under federal law. 

This letter serves as a formal dispute and request for correction. Please treat it as such. 

Please see attached file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I have contacted XXXX  and they said XXXX not in the system XXXX is saying I am XXXX an identity theft victim and XXXX XXXX  victim I just want all my info out of the XXXX  my abuser used XXXX XXXX numerous times and have committed lots of fraud XXXX XXXX XX/XX/91 XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Pursuant to 15 U.S. Code 1681i and 1681s2 ( a ), I am formally disputing the accuracy of the reported late payment. To date, you have failed to verify this account in a manner compliant with federal law. Your prior responses, consisting only of bank statements, are legally insufficient and do not constitute proper billing statements under 15 U.S.C. 1637 ( b ).

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 2025-08-17 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I disputed an account ( LVNV Funding, account ending XXXX XXXX ) with XXXX  because I do not recognize this debt. XXXX reinvestigation came back marked verified as accurate, but no proof or original signed contract was provided to show this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: GA

Complaint narrative:
My identity has been compromised and a fraudulent CCard application has been submitted

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 2025-08-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
When reviewing my XXXX XXXX profile on XX/XX/XXXX, I noticed my score decreased and the reason for the decrease being a car loan for which I am a co-signer not being paid for XXXX and XXXX. On XX/XX/XXXX at XXXX, I contacted Santander Bank and spoke with XXXX XXXX XXXX XXXX XXXXXXXX to verify the information I was seeing in XXXX XXXX, XXXX XXXX advised me the best thing to do was to pay the amounts due immediately. I contacted the primary loan holder to confirm the information. 

At approximately XXXX, I called Santander again spoke with XXXX XXXX ID # XXXX to pay the total amount in arrears of {$700.00} which includes the pay by phone fee. After making the payment, I asked why I was never contacted by telephone, email, or postal mail as I would have immediately paid the amounts due. I was informed that text messages were sent to XXXX. I informed XXXX XXXX that was not my phone number as it is XXXX and that I have had this phone number since I immigrated here in XXXX. I never received any notice that there was an unpaid month. 

I am requesting for Santander to remove the negative reporting to my credit report as I was not aware that the loan payments were not made and I have no idea where they got the XXXX phone number as I never had that phone number in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: Block, Inc.
State: MS

Complaint narrative:
At XXXX on Monday, XX/XX/year>, XXXX charges from XXXX were attempted via CashApp onto my debit card. The first XXXX charges went through ( {$460.00} and {$460.00} ) and the other XXXX charges were declined by CashApp ( {$630.00} and {$630.00} ). I did not authorize or purchase ANYTHING through XXXX. These charges were completely fraudulent and NOT AUTHORIZED by me or any representative of me. These charges also caused {$100.00} in overdraft charges onto my XXXX checking account for insufficient funds. 

On XX/XX/year>, I filed a dispute with XXXX XXXX XXXX department that was declined, according to Bankplus I had authorized CashApp to hold my debit card information on file by using CashApp for previous transactions therefore XXXX was not responsible for any charges made as CashApp as a third-party payment app. 

Bankplus fraud prevention told me to go through CashApp to try to get my money back so I contacted CashApp Customer Service with all the information and a dispute investigation was initiated. On XX/XX/year>, CashApp sent an email to me that my dispute had been denied, because the transaction was authorized by me or someone authorized to use my credentials. 

This is completely unwarranted as there is no one who has been given permission to use any of my credentials and I did not make any charges at all or authorize any charges to XXXX or anyone else through CashApp.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have recently pulled my credit report and there are still inaccuracies reporting on my report from XXXX XXXX XXXX. I request a reinvestigation of the inaccuracies of this report and verification of the account listed on my 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 2025-08-17 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:
Subject : Formal Dispute of Inaccurate information Under FCRA 623 ( a ) ( 1 ) ( A ), UCC 9-611, and UCC 9-613 , I am writing to Formally Dispute Inaccurate and incomplete information on my credit report ( Report # XXXX : [ Experian Date Generated 8/17/2025 ] in violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) and the uniform commercial code ( UCC ) 9-613. The following accounts are reporting errors and must be corrected or deleted : XXXX  XXXX XXXX ( XXXX ) - '' Charged Off '' status contradicts last activity date ( XX/XX/XXXX ) and re-ages debt unlawfully. XXXX XXXX XXXX ( XXXX ) - No proof of UCC XXXX notice for {$390.00} Charged-Off debt. XXXXXXXX XXXX XXXX ( XXXX ) -Charged-Off amount ( {$250.00} ) exceeds credit limit ( {$100.00} ), violating accounting standards. XXXX XXXX ( XXXX ) -Collection account lacks validation and ignores prior dispute. XXXX XXXX XXXX ( Acct : XXXX ) - No UCC compliant notice of debt sale to XXXX XXXX XXXX XXXX XXXX ( Acct : XXXX ) - Payment history in accurately shows XXXX delinquency despite " Paid, Closed '' status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Subject : Formal Dispute of Inaccurate information Under FCRA 623 ( a ) ( 1 ) ( A ), UCC 9-611, and UCC 9-613 , I am writing to Formally Dispute Inaccurate and incomplete information on my credit report ( Report # XXXX : [ Experian Date Generated 8/17/2025 ] in violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) and the uniform commercial code ( UCC ) 9-613. The following accounts are reporting errors and must be corrected or deleted : XXXX  XXXX XXXX ( XXXX ) - '' Charged Off '' status contradicts last activity date ( XX/XX/XXXX ) and re-ages debt unlawfully. XXXX XXXX XXXX ( XXXX ) - No proof of UCC XXXX notice for {$390.00} Charged-Off debt. XXXXXXXX XXXX XXXX ( XXXX ) -Charged-Off amount ( {$250.00} ) exceeds credit limit ( {$100.00} ), violating accounting standards. XXXX XXXX ( XXXX ) -Collection account lacks validation and ignores prior dispute. XXXX XXXX XXXX ( Acct : XXXX ) - No UCC compliant notice of debt sale to XXXX XXXX XXXX XXXX XXXX ( Acct : XXXX ) - Payment history in accurately shows XXXX delinquency despite " Paid, Closed '' status.

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 2025-08-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of identity theft due to the Equifax XXXX breach, I have attached my identity theft report please remove and block these items, I have also attached the fair credit act law. please check attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: GA

Complaint narrative:
I made a purchase from XXXX ( Order # XXXX ) on XX/XX/year>, using Klarnas installment payment plan. The package was due XX/XX/year>, but never arrived. XXXX confirmed it was lost, and XXXX promised a refund if not received by XX/XX/XXXX. T

he merchant has not refunded me. I have already paid installments for goods I never received. Klarna paused future payments but refuses to refund the money I already paid, saying the merchant must do it. As the credit provider, Klarna is responsible for ensuring I am not charged for non-delivery. I am requesting Klarna cancel the loan and refund all payments already made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: DISCOVER BANK
State: MO

Complaint narrative:
I am a victim of identity theft and previously provided an FTC Identity Theft Report and a police report, along with ID. Based on that evidence, the following fraudulent accounts were deleted from my credit file : Discover Card ( opened XX/XX/year> ) and XXXX XXXX XXXX  ( opened XX/XX/year> ), as reflected in prior CFPB Complaint ID XXXX. 

On or about XXXX XXXX XXXX these accounts were reinserted into my report. I did not receive the legally required written notice within 5 business days of reinsertion.

This violates FCRA 611 ( a ) ( 5 ) ( B ) ( reinsertionsnotice/certification ) and FCRA 605B ( identity-theft blocking ). I demand immediate and permanent deletion of these accounts and written confirmation of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I lost my wallet and My account was scammed and someone tried to deposit a check and they flagged my account

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 2025-08-17 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit 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 2025-08-17 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:
XXXX  has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation