vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: AL

Complaint narrative:
Upon conducting a recent and thorough review of my credit report, I identified multiple entries that are factually inaccurate and do not reflect my true credit history. As such, I am formally demanding immediate correction in accordance with the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Your failure to do so constitutes a direct violation of federal law.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Furthermore, pursuant to 15 U.S. Code 1681i ( a ) ( 5 ), if any disputed information is found to be inaccurate, incomplete, or unverifiable during a reinvestigation, the reporting agency must promptly delete or modify that item and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XX/XX/XXXX AccountXX/XX/XXXXBalance {$700.00} Opened XX/XX/XXXX XXXX XXXX Account # XXXXXX/XX/XXXXBalance {$1000.00} Opened XX/XX/XXXXXX/XX/XXXXAccount # XXXXXX/XX/XXXX Balance {$3800.00} Opened XX/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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Santander is misreporting my account as charged off despite actively servicing the loan. 

Santander Consumer Bank reported to the credit bureaus that my auto loan was charged off in XX/XX/year> with a balance of {$9300.00}. However, I made a payment of {$1000.00} on XX/XX/XXXX, XXXXhrough Santanders own payment portal ( XXXX  ) to bring the account current. This payment was accepted, and the balance was reduced accordingly. 

If this account were truly charged off, I would not still have access to the Santander Consumer USA online portal. They would not allow me to make payments directly. The debt has not been sold to a third-party collector, and I have never received notification of transfer. 

Instead of correcting the charge-off status, Santander merely reduced the reported balance to {$8200.00} and left the charged off tag in place. Thats inaccurate, misleading, and potentially a violation of the Fair Credit Reporting Act ( FCRA ). It also raises questions about Santanders accounting practiceskeeping the benefits of a charge-off for themselves while continuing to collect directly from me. 

I am also an active-duty service member, and this misreporting violates the protections afforded under the Servicemembers Civil Relief Act ( SCRA ), which exists to prevent exactly this kind of financial exploitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT 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 ONE 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 2025-05-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-05-01 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and 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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has failed to furnish the names and contact information of the entities that supplied the disputed, fraudulent information, as well as the specific methods used to verify its accuracy. This omission is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and reflects negligent handling of sensitive consumer data. 

The generic, non-substantive response Equifax provided is unacceptable and undermines its obligation under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) to provide the source and reinvestigation details. I have already submitted extensive documentationincluding my drivers license, birth certificate, Social Security card, IRS tax filings, private health insurance records, and pay stubsall of which lawfully and clearly establish my identity and address history. 

Equifaxs continued failure to act in accordance with federal law, despite the burden of proof provided, is both damaging and exhausting. I am again demanding permanent removal of all fraudulent data, a detailed accounting of the verification process, and identification of all sources involved.

Equifax has since determined in what may be perceived as a retaliatory response that a fraudulent name and address be re-instated to my credit file which is damaging and potentially dangerous. Providing access to fraudulent parties provided access to my lawful residence, employment, familila composition, and etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am submitting this formal written complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and IRS regulations by the credit reporting agencies and furnishers listed below. I am a confirmed victim of identity theft and have filed an official FTC Identity Theft Report ( # XXXX ). 

Despite submitting this documentation, my credit reports continue to reflect fraudulent data that is damaging my financial stability, creditworthiness, and access to housing. The inaction of these agencies and furnishers has caused me emotional distress, has denied me basic financial opportunities, and has forced me into a position where I must consider litigation. Transunion and Experians I have had fraudulent accounts temporarily removed, only for them to be reinserted without any notice or certification. This is illegal, emotionally damaging, and I will no longer tolerate it. 

Let me be clear : These accounts and inquiries are not mine, and I am demanding the METHOD OF VERIFICATION used to justify reporting them especially after some of them were removed, then illegally reinserted without any notice or proof.

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 2025-05-01 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: MI

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT 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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
TransUnion is still reporting on my credit report after I asked for all of the verified copies from this company which they never provided for me. But continue to report this on my report in violation of my rights thats reserved

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 2025-05-01 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: IL

Complaint narrative:
I seek your assistance in investigating accounts that have been wrongly reported with late payments. I carefully reviewed my credit report and found some accounts showing incorrect late payment entries. These accounts should not have any late payment remarks. Kindly remove the late notations and update the accounts as paid and positive.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-01 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: FL

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have being in good standing since XXXX with Capital One. Paying from auto-pay. Capital One withdrew more money then I actually had in my account and I am on a fixed income.I could not pay it on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am filing a complaint against PayPal Credit ( Synchrony Bank ) regarding a significant and unprompted reduction to my credit limit. My limit was reduced from {$4800.00} to {$2100.00} without any prior notice or valid justification. This action occurred despite my account being in good standing and my overall credit health steadily improving. 

I have maintained a 100 % on-time payment record across all of my credit accounts for nearly 7 years ( 6 years, 10 months ). I consistently pay my balances within a week of the due date to avoid ever missing a payment. My usage patterns are responsible, and I have taken active steps to recover from past financial hardship, with my credit score showing continual improvement. 

This sudden and unexplained limit reduction XXXX has caused serious harm to my credit profile, increasing the utilization on this account to 100 %, which in turn dropped my credit score by XXXX points. This setback is damaging to my efforts to rebuild credit and was done with no warning, no negative activity, and no transparency. 

I believe this action was unfair and arbitrary, and I respectfully request that this matter be investigated. At minimum, I request a review and reinstatement of my previous credit limit, as this action appears to be punitive despite my responsible account management.

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 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Issue Summary : I am submitting a formal complaint regarding Truist Banks handling of an alleged {$370.00} overdraft transaction. Despite my repeated attempts to resolve the matter through XXXX customer service channels, the issue remains unresolved. This delay, along with inconsistent information from Truist representatives, has caused significant emotional and financial hardship. 

Details of the Complaint : I was informed that a {$370.00} overdraft occurred in my Truist account due to a third-party transfer initiated from my XXXX account XXXX However, I was never notified about this transaction. I was neither informed that the transfer had failed nor given any notice within the required timeframe. Multiple Truist representatives provided conflicting statements about this transaction, some stating that the transfer occurred, others saying that it had not, and yet others explaining that the funds were insufficient. 

The overdraft has caused serious financial strain as I have been unable to pay my rent and meet other financial obligations, leaving me at risk of significant personal and emotional hardship. Additionally, I was verbally told I was responsible for the fees, which is unfair given that I never received prior notification of the transaction. 

This incident has dragged on for more than 90 days, without a satisfactory resolution. I am requesting that Truist Bank immediately reverse the overdraft fees and provide compensation for the financial harm and emotional distress caused by their lack of notification and failure to act in a timely manner.

What Im Seeking as Resolution : 1. Immediate reversal of the {$370.00} overdraft and any associated fees.

2. A written explanation from Truist Bank regarding the transaction, including the date, source of the transfer, and why the notification was not sent.

3. Compensation for the financial and emotional hardship caused by this issue.

4. Written documentation of Truists internal resolution processes and applicable policies.

This matter has caused serious anxiety and physical distress, particularly as I am recovering from severe trauma after a violent incident last year. I am requesting that the CFPB intervene to resolve this issue.

Additional Information : Bank Name : Truist Bank Account Type : Personal Checking Complaint Type : Overdraft Fees and Lack of Notification Financial Impact : Severe, including rent non-payment, emotional distress, and physical health strain due to ongoing financial stress.

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