vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$7800.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$5000.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX XX/XX/XXXX -- {$160.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXXXXXX  Equifax XXXX XX/XX/XXXXXXXX  Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$67.00} Date Opened : XX/XX/XXXX Late Closed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Charge Off : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
In XX/XX/XXXXXXXX  I opened a new auto loan with Santander USA through XXXX  XXXX XXXX XXXX in XXXX MA. I co signed with my then wife with promise I would be able to remove her at any time. At the very end of the transaction I was told I had to get the extended warranty ( which I found out was optional ). When I went back complain the store was shut down. 

I purchased price was {$37000.00} and so far Ive made a total of a {$33000.00} worth of payments and I'm barely half way through the load with only {$13000.00} toward principle paid. 

At the end of XXXX I have been trying to get car refinanced to remove my now ex wife from the load but because I am upside down on the loan no one will approve me, Ive reached out to Santander multiple times to see if we can do a loan modification or anything to remove my ex wife off the load like I was promised at time of sale but they have refused to help me in anyway. 

They also have been misreporting the credit data to the major credit bureaus saying I've been 30 days late even though I never have ( I have the bank statements to prove so )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
Hi, I have been exposed to identity theft and there is no way XXXX XXXX XXXX should have my information! Please remove this fraudulent account off my consumer report immediately, or I will TAKE FURTHER LEGAL ACTION!

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 2025-05-16 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: GA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I am writing to formally request information and action regarding the charged-off account listed below : 1. Barclays Bank Delaware Account Number : XXXX Date Opened : XX/XX/XXXX Charged-Off Amount : {$3400.00} written off Balance Reported : {$4300.00} ( as of XX/XX/XXXX ) Last Status Update : XX/XX/XXXX Comment : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Charged-Off Amount : {$5200.00} written off Balance Reported : {$5200.00} ( as of XX/XX/XXXX ) Last Status Update : XX/XX/XXXX According to Internal Revenue Code Section XXXX, when a creditor cancels a debt of {$600.00} or more, they are required to issue IRS Form 1099-C ( Cancellation of Debt ). I am requesting confirmation as to whether a Form 1099-C has been filed for this account. If so, please provide a copy, including the date of cancellation, amount canceled, and the creditor 's federal identification number. 

In addition, under 15 U.S. Code 1681c-2 ( a ), if a debt has been forgiven, discharged in bankruptcy, or canceled ( such as by issuance of a Form 1099-C ), any adverse credit reporting related to the account must be removed from the consumers credit report. As such, if this debt has been canceled or forgiven, I respectfully request that all negative entries associated with this account be permanently deleted from my credit file, in compliance with the law.

Summary of My Request : Confirmation whether a Form 1099-C was issued for this charged-off account.

A copy of the 1099-C form, if applicable.

If the debt has been canceled or forgiven, immediate removal of this account from my credit report under 15 U.S.C. 1681c-2 ( a ). 

Written confirmation of your actions. 

This letter is being sent in good faith and in pursuit of accurate reporting and tax compliance. Please respond within 30 days of receipt. If you require additional documentation from me to complete this request, I will gladly provide it. 

Thank you for your attention to this matter.

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 2025-05-16 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 -- {$49000.00} XXXX XXXX XXXX # XXXX XX/XX/2023 -- {$140000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX -- {$8800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: NC

Complaint narrative:
Someone use my identity to open up a Self account which use my phone number in my email once I was notified I got a police report and made a FTC report immediately I reached out to self and I havent heard from nobody. I need this removed as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC
State: CA

Complaint narrative:
I have no idea what this company is and how it got on my credit report Ive never used anyone in XXXX for lease from XXXX XXXX when I looked it up they were sued for fraud and are no longer in business but theres a collection trying to collect XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XX/XX/year> Subject : Identity Theft Dispute Fraudulent Accounts on My Credit Report Pursuant to 15 U.S.C. 1681 et seq. and 1681n ( FCRA ), and 15 U.S.C. 6802 ( GLBA ) XXXX XXXX XXXX Account # XXXX To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of accounts and inquiries on my credit report that are the result of identity theft. These accounts were opened and used without my knowledge or authorization, constituting a violation of my consumer rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and privacy protections under 15 U.S.C. 6802. 

The following accounts were fraudulently opened : XXXX XXXX XXXX Account # XXXX These accounts do not belong to me, and I did not authorize their creation, use, or reporting. XXXX were the result of identity theft. As such, I am exercising my rights under : 15 U.S.C. 1681c-2, which gives identity theft victims the right to block fraudulent information.

15 U.S.C. 1681i, which requires reinvestigation of disputed information.

15 U.S.C. 1681n, which holds data furnishers and CRAs liable for willful noncompliance.

15 U.S.C. 6802, which restricts the sharing of my nonpublic personal information without consent.

Enclosed with this letter are the following supporting documents : A copy of my government-issued photo ID Proof of residence ( e.g., utility bill or lease ) A copy of the FTC Identity Theft Report or police report ( if available ) A copy of my credit report with the fraudulent accounts highlighted Request for Action : I demand the immediate blocking and permanent removal of the above fraudulent accounts from my credit report, in accordance with FCRA 1681c-2.

Please complete your investigation and provide written confirmation of the outcome within 30 days as mandated by law.

Failure to comply with the FCRAs provisions, including 1681n, may result in legal consequences including actual damages, statutory damages, and attorneys fees. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2025. I deposited my girlfriend 's check she endorsed. Next day I received a message saying there was a problem. So I spoke with agent online and was told I needed to take a copy of check into the bank for the deposit once I got it in the mail. I received the copy and did just that and was told the cash would be available on XX/XX/2025 after check cleared. The money cleared and states available. My family and I go shopping but get declined at check out. I then go down to bank only to get run around for 2 hours without any reasonable explanation why this is happening. All I was told is that they did not know? Today I contacted the number on back of card and was told that my girlfriend has to verify this transaction but needed a phone. I suggested going down to bank with her and her i.d . to verify but that was not an option although the most practical and simple. When I deposited the copy of check I was sent the bank management told me that it was all good as long as my girlfriend endorsed back of check. Now we are unable to pay our bills and have broken promises to our XXXX XXXX XXXX daughter because the banks mistakes and not releasing the funds. Chase bank is horrible customer service and are thieves that make the customer feel as if they are scammers! I wish to file a lawsuit against Chase bank for the way of treating customers and not releasing what is ours! Nothing is going as it should and those making this difficult need to be made examples of. My girlfriend is on social security with medical conditions is why she gets paid. But CHASE bank takes it upon themselves to violate our rights to our own money and even threaten to close my account. I feel that the Americans with disabilities act rights have been violated even against my girlfriend on top of many other foul rude and unnecessary actions of the cruelest kind by Chase bank employees and management.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: MD

Complaint narrative:
I have two accounts from the University XXXX Maryland XXXX XXXX that were sent to the Maryland XXXX XXXX XXXX ( XXXX ). Experian is reporting both accounts with new 30/60/90+ day late payments each month - even though they are already in collections and have no monthly payments schedule.

This is re-aging both accounts, which unfairly damages my credit score. These are state-level debts, neither XXXX  nor XXXX  are reporting them this way - only Experian. 

I recently disputed this with Experian ( XX/XX/year>2025 ), but I am requesting that the CFPB ensure this is corrected. These are not active loans or revolving credit accounts. I am requesting that : 1. Experian stop reporting new delinquencies going forward, and 2.Remove all monthly late payments added after the date each was account was sent to collections.

These accounts should be marked as in collections or charged-off, without continuing delinquency updates.

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 2025-05-16 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-16 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:
Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXXXXXX XXXX XXXX, PA XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Urgent Dispute & Request for Immediate Removal of Fraudulent Accounts Under FCRA Dear Experian, TransUnion, and Equifax I am writing to formally dispute fraudulent accounts and negative items that have appeared on my credit report as a result of Equifax data breach and identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), you are required to block and remove fraudulent accounts within four ( 4 ) business days upon receiving proper notification.

Accounts are listed in document files uploaded.

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 2025-05-16 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: TX

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXXXXXX XXXX XXXX, PA XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Urgent Dispute & Request for Immediate Removal of Fraudulent Accounts Under FCRA Dear Experian, TransUnion, and Equifax I am writing to formally dispute fraudulent accounts and negative items that have appeared on my credit report as a result of Equifax data breach and identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), you are required to block and remove fraudulent accounts within four ( 4 ) business days upon receiving proper notification.

Accounts are listed in document files uploaded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: NV

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed 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 explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief