vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: KY

Complaint narrative:
I am writing to formally dispute an inaccurate debt claim on my credit report related to XXXX XXXX Apartments ( XXXX - XXXX XXXX XXXX XXXX XXXX XXXX The claim in question is erroneous and pertains to a lease agreement that I terminated in compliance with the terms of the lease and applicable laws. Summary of Dispute : XXXX. Termination of XXXX : I terminated my lease at XXXX XXXX Apartments due to multiple issues, including : - The apartment was not ready for occupancy as the necessary renovations were not completed prior to my move-in date. - Maintenance staff delivered a new dishwasher and placed it in the middle of the living room without removing the old unit or installing the new one. - I was not provided with a mailbox or mailbox key, which significantly impacted my ability to receive mail. XXXX. XXXX Termination Process : In accordance with the lease agreement and state laws, I terminated the lease within XXXX business days of the move-in date. This is well within the three-day limit stipulated before any penalties could accrue. XXXX. Unlawful Charges : Despite the timely termination of the lease, XXXX XXXX Apartments unlawfully charged me a fee. This fee was incorrectly applied, as I followed all necessary procedures to avoid any penalties. 4. Request for Removal : I am requesting that the false debt claim reported by XXXX XXXX Apartments be removed from my credit report immediately. The debt is inaccurate and unjustly reflects a penalty that I did not incur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Dear Santander XXXX  XXXX  : cfpb ; When I reviewed my credit report recently, I was surprised to see late payments reported on my account # XXXX XXXX XXXX XXXX XXXX  on XXXX and XX/XX/XXXX, XX/XX/XXXX ; XXXX and XX/XX/XXXX. I believe these reports are inaccurate, and unfair. At the time, I never received proper billing statements, and I was also dealing with personal and financial challenges that may have caused confusion with my account. My only thought also is that my monthly statement did not get to me. In some cases, my bank account access was restricted due to suspected activity, which may have prevented payments from being applied correctly. I never intentionally missed payments, and I dispute the accuracy of these negative entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
I am a victim of identity theft. Fraudulent and unverified accounts have been placed on my credit file without my consent. Under FCRA 605B and 611, I demand the immediate removal and blocking of these accounts and confirmation they will not be reinserted. The credit bureaus failure to properly investigate and remove unverifiable, fraudulent information is a violation of federal law. 

The fraudulent accounts are ; XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX : {$1800.00} Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) 605B, credit reporting agencies are required to block and remove all information resulting from identity theft from my credit file once I provide notice and supporting documentation. In addition, under FCRA 611, the credit bureaus must conduct a reasonable reinvestigation of disputed information and can not continue reporting unverifiable, fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
I am a victim of identity theft. Fraudulent and unverified accounts have been placed on my credit file without my consent. Under FCRA 605B and 611, I demand the immediate removal and blocking of these accounts and confirmation they will not be reinserted. The credit bureaus failure to properly investigate and remove unverifiable, fraudulent information is a violation of federal law. 

The fraudulent accounts are ; XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX : {$1800.00} Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) 605B, credit reporting agencies are required to block and remove all information resulting from identity theft from my credit file once I provide notice and supporting documentation. In addition, under FCRA 611, the credit bureaus must conduct a reasonable reinvestigation of disputed information and can not continue reporting unverifiable, fraudulent accounts.

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 2025-09-25 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: MI

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Messerli & Kramer P.A.
State: IA

Complaint narrative:
1. did not receive right to cure verified through USPS informed delivery. Have nothing from the law firm dated in the back checks of the emails or after logging into the website. I get a detailed email of my daily emails. 

2. Law firm is not licensed to collect in the state of Iowa per checking the Iowa Attorney General website Messerli Kramer and checking with Iowa courts Office of Professional Regulation the attorney handling and filed a small claims against me is not licensed in the state of Iowa. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: CA

Complaint narrative:
I sent a certified letter to Experian on XX/XX/2025 with tracking # XXXX it shows the delivery date of XX/XX/2025 at XXXXXXXX XXXX in XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX XXXX {$0.00} ( ACCOUNT # XXXX ) XXXX XXXX XXXX - {$2100.00} ( ACCOUNT # XXXX ) Experian failed to respond. I sent another letter on XX/XX/2025 which they failed to respond once again.

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 2025-09-25 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:
XXXX action within XXXX  days to remove disputed accounts per 15 U.S. Code  1681g.'

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 2025-09-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-25 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: NY

Complaint narrative:
The accounts listed on my credit report are inaccurate, unauthorized, and do not belong to me. Reporting information that is not mine is a direct violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires consumer reporting agencies to assure maximum possible accuracy, and 1681i, which requires proper reinvestigation of disputed items. 

By continuing to publish and maintain these false accounts, the credit bureaus and furnishers are willfully engaging in illegal reporting practices. This has caused irreparable harm to my creditworthiness, finances, and personal life. 

I am demanding the immediate deletion of all unauthorized accounts and expect strict compliance with federal law. Continued reporting of unverifiable or false information will result in further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: PA

Complaint narrative:
I am following up to formally dispute and request the removal of inaccurate and incomplete credit information from my credit profile. It has come to my attention that the information listed below is inaccurate, and I am deeply concerned about the lack of accuracy and diligence in your operations to ensure the accuracy of the credit reports you publish. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), it is mandated by federal law that credit bureaus verify the accuracy of any and all accounts they report by physically verifying the original signed consumer contract. Failure to adhere to this requirement leaves room for the inclusion of fraudulent accounts, which could have serious repercussions for individuals such as myself. I hereby demand to see verifiable proof, in the form of an original consumer contract bearing my signature, for the accounts detailed below.

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 2025-09-25 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: TX

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-25 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I purchased two round-trip international tickets from XXXX XXXX XXXX for {$1500.00} using my Bank of America debit card. The transaction went through correctly. However, on XX/XX/year>, XXXX XXXX XXXX charged my debit card an additional {$18000.00} without my knowledge, consent, or authorization. 
At the time, I had only {$11000.00} in my Bank of America account. Despite this, Bank of America approved and processed the full {$18000.00} charge, causing my account to go negative by {$7200.00}. There was no fraud alert, no warning, and no verification attempt before allowing this massive and unusual transaction. I immediately contacted both XXXX and Bank of America. 
XXXX has so far failed to provide a clear explanation or issue a refund. Bank of America told me to resolve it with XXXX and refused to accept responsibility, even though they should have flagged or blocked the transaction due to insufficient funds and suspicious activity. 
Because of this charge, I could not pay my {$5000.00} tuition fee, and I am now at risk of losing my university enrollment and visa status as an international student. I am requesting the CFPB to investigate this matter and help me receive a full reimbursement of {$18000.00} from Bank of America, who failed to protect my account from an unauthorized and harmful transaction. 
I can provide all supporting documents including : Proof of the original ticket purchase Screenshot of the {$18000.00} charge Bank statements showing the overdraft Correspondence with both companies.

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